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LOANS AND THE ALLOWANCE FOR LOAN LOSSES (Tables) | 6 Months Ended
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Jun. 30, 2020
LOANS AND THE ALLOWANCE FOR LOAN LOSSES |
Summary of Loans |
|  | June 30, |  | December 31,
|  | 2020 |  | 2019
|  | (dollars in thousands)
Commercial and industrial |  | $ | 408,230 |  | $ | 307,175
Agricultural and farmland |  |  | 239,101 |  |  | 207,776
Commercial real estate - owner occupied |  |  | 228,506 |  |  | 231,162
Commercial real estate - non-owner occupied |  |  | 535,339 |  |  | 579,757
Multi-family |  |  | 186,440 |  |  | 179,073
Construction and land development |  |  | 247,640 |  |  | 224,887
One-to-four family residential |  |  | 308,133 |  |  | 313,580
Municipal, consumer, and other |  |  | 122,406 |  |  | 120,416
Loans, before allowance for loan losses |  |  | 2,275,795 |  |  | 2,163,826
Allowance for loan losses |  |  | (29,723) |  |  | (22,299)
Loans, net of allowance for loan losses |  | $ | 2,246,072 |  | $ | 2,141,527
Paycheck Protection Program (PPP) Loans (included above) |  |  |  |  |  |
Commercial and industrial |  | $ | 166,868 |  | $ | —
Agricultural and farmland |  |  | 4,027 |  |  | —
Municipal, consumer, and other |  |  | 7,063 |  |  | —
Total PPP loans |  | $ | 177,958 |  | $ | —
Schedule of activity in allowance for loan losses |
|  |  |  |  |  |  |  | Commercial |  | Commercial |  |  |  |  |  |  |  |  |  |  | Municipal, |  |  |
|  | Commercial |  | Agricultural |  | Real Estate |  | Real Estate |  |  |  |  | Construction |  | One-to-four |  | Consumer, |  |  |
|  | and |  | and |  | Owner |  | Non-owner |  |  |  |  | and Land |  | Family |  | and |  |  |
Three Months Ended June 30, 2020 |  | Industrial |  | Farmland |  | Occupied |  | Occupied |  | Multi-Family |  | Development |  | Residential |  | Other |  | Total
Allowance for loan losses: |  | (dollars in thousands)
Balance, March 31, 2020 |  | $ | 4,224 |  | $ | 2,993 |  | $ | 2,122 |  | $ | 4,432 |  | $ | 1,474 |  | $ | 3,223 |  | $ | 3,284 |  | $ | 4,335 |  | $ | 26,087
Provision for loan losses |  |  | 125 |  |  | (103) |  |  | 1,135 |  |  | 2,275 |  |  | 107 |  |  | 135 |  |  | (317) |  |  | 216 |  |  | 3,573
Charge-offs |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (8) |  |  | (152) |  |  | (160)
Recoveries |  |  | 7 |  |  | — |  |  | — |  |  | 60 |  |  | — |  |  | 8 |  |  | 51 |  |  | 97 |  |  | 223
Balance, June 30, 2020 |  | $ | 4,356 |  | $ | 2,890 |  | $ | 3,257 |  | $ | 6,767 |  | $ | 1,581 |  | $ | 3,366 |  | $ | 3,010 |  | $ | 4,496 |  | $ | 29,723
|  |  |  |  |  |  |  | Commercial |  | Commercial |  |  |  |  |  |  |  |  |  |  | Municipal, |  |  |
|  | Commercial |  | Agricultural |  | Real Estate |  | Real Estate |  |  |  |  | Construction |  | One-to-four |  | Consumer, |  |  |
|  | and |  | and |  | Owner |  | Non-owner |  |  |  |  | and Land |  | Family |  | and |  |  |
Three Months Ended June 30, 2019 |  | Industrial |  | Farmland |  | Occupied |  | Occupied |  | Multi-Family |  | Development |  | Residential |  | Other |  | Total
Allowance for loan losses: |  | (dollars in thousands)
Balance, March 31, 2019 |  | $ | 3,762 |  | $ | 3,248 |  | $ | 2,353 |  | $ | 2,722 |  | $ | 972 |  | $ | 3,897 |  | $ | 3,067 |  | $ | 992 |  | $ | 21,013
Provision for loan losses |  |  | 1,393 |  |  | (356) |  |  | 233 |  |  | (7) |  |  | 181 |  |  | (587) |  |  | 1,022 |  |  | (73) |  |  | 1,806
Charge-offs |  |  | (27) |  |  | (30) |  |  | (101) |  |  | — |  |  | — |  |  | (9) |  |  | (602) |  |  | (197) |  |  | (966)
Recoveries |  |  | 59 |  |  | — |  |  | 2 |  |  | 6 |  |  | — |  |  | 422 |  |  | 82 |  |  | 118 |  |  | 689
Balance, June 30, 2019 |  | $ | 5,187 |  | $ | 2,862 |  | $ | 2,487 |  | $ | 2,721 |  | $ | 1,153 |  | $ | 3,723 |  | $ | 3,569 |  | $ | 840 |  | $ | 22,542
|  |  |  |  |  |  |  | Commercial |  | Commercial |  |  |  |  |  |  |  |  |  |  | Municipal, |  |  |
|  | Commercial |  | Agricultural |  | Real Estate |  | Real Estate |  |  |  |  | Construction |  | One-to-four |  | Consumer, |  |  |
|  | and |  | and |  | Owner |  | Non-owner |  |  |  |  | and Land |  | Family |  | and |  |  |
Six Months Ended June 30, 2020 |  | Industrial |  | Farmland |  | Occupied |  | Occupied |  | Multi-Family |  | Development |  | Residential |  | Other |  | Total
Allowance for loan losses: |  | (dollars in thousands)
Balance, December 31, 2019 |  | $ | 4,441 |  | $ | 2,766 |  | $ | 1,779 |  | $ | 3,663 |  | $ | 1,024 |  | $ | 2,977 |  | $ | 2,540 |  | $ | 3,109 |  | $ | 22,299
Provision for loan losses |  |  | 663 |  |  | 151 |  |  | 1,038 |  |  | 3,095 |  |  | 557 |  |  | 372 |  |  | 460 |  |  | 1,592 |  |  | 7,928
Charge-offs |  |  | (809) |  |  | (27) |  |  | — |  |  | (56) |  |  | — |  |  | (1) |  |  | (112) |  |  | (376) |  |  | (1,381)
Recoveries |  |  | 61 |  |  | — |  |  | 440 |  |  | 65 |  |  | — |  |  | 18 |  |  | 122 |  |  | 171 |  |  | 877
Balance, June 30, 2020 |  | $ | 4,356 |  | $ | 2,890 |  | $ | 3,257 |  | $ | 6,767 |  | $ | 1,581 |  | $ | 3,366 |  | $ | 3,010 |  | $ | 4,496 |  | $ | 29,723
|  |  |  |  |  |  |  | Commercial |  | Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Commercial |  | Agricultural |  | Real Estate |  | Real Estate |  |  |  |  |  |  |  |  |  |  | Consumer |  |  |
|  | and |  | and |  | Owner |  | Non-owner |  |  |  |  | Construction |  | Residential |  | and |  |  |
Six Months Ended June 30, 2019 |  | Industrial |  | Farmland |  | Occupied |  | Occupied |  | Multi-Family |  | and Land |  | Real Estate |  | Other |  | Total
Allowance for loan losses: |  | (dollars in thousands)
Balance, December 31, 2018 |  | $ | 3,748 |  | $ | 2,650 |  | $ | 2,506 |  | $ | 2,644 |  | $ | 912 |  | $ | 4,176 |  | $ | 2,782 |  | $ | 1,091 |  | $ | 20,509
Provision for loan losses |  |  | 1,615 |  |  | 242 |  |  | 126 |  |  | 67 |  |  | 241 |  |  | (877) |  |  | 1,233 |  |  | (65) |  |  | 2,582
Charge-offs |  |  | (283) |  |  | (30) |  |  | (166) |  |  | — |  |  | — |  |  | (9) |  |  | (639) |  |  | (372) |  |  | (1,499)
Recoveries |  |  | 107 |  |  | — |  |  | 21 |  |  | 10 |  |  | — |  |  | 433 |  |  | 193 |  |  | 186 |  |  | 950
Balance, June 30, 2019 |  | $ | 5,187 |  | $ | 2,862 |  | $ | 2,487 |  | $ | 2,721 |  | $ | 1,153 |  | $ | 3,723 |  | $ | 3,569 |  | $ | 840 |  | $ | 22,542
|  |  |  |  |  |  |  | Commercial |  | Commercial |  |  |  |  |  |  |  |  |  |  | Municipal, |  |  |
|  | Commercial |  | Agricultural |  | Real Estate |  | Real Estate |  |  |  |  | Construction |  | One-to-four |  | Consumer, |  |  |
|  | and |  | and |  | Owner |  | Non-owner |  |  |  |  | and Land |  | Family |  | and |  |  |
June 30, 2020 |  | Industrial |  | Farmland |  | Occupied |  | Occupied |  | Multi-Family |  | Development |  | Residential |  | Other |  | Total
Loan balances: |  | (dollars in thousands)
Collectively evaluated for impairment |  | $ | 398,730 |  | $ | 220,915 |  | $ | 207,606 |  | $ | 500,354 |  | $ | 185,152 |  | $ | 241,694 |  | $ | 286,969 |  | $ | 108,677 |  | $ | 2,150,097
Individually evaluated for impairment |  |  | 7,704 |  |  | 17,216 |  |  | 12,737 |  |  | 20,095 |  |  | — |  |  | 2,661 |  |  | 11,344 |  |  | 13,651 |  |  | 85,408
Acquired with deteriorated credit quality |  |  | 1,796 |  |  | 970 |  |  | 8,163 |  |  | 14,890 |  |  | 1,288 |  |  | 3,285 |  |  | 9,820 |  |  | 78 |  |  | 40,290
Total |  | $ | 408,230 |  | $ | 239,101 |  | $ | 228,506 |  | $ | 535,339 |  | $ | 186,440 |  | $ | 247,640 |  | $ | 308,133 |  | $ | 122,406 |  | $ | 2,275,795
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Collectively evaluated for impairment |  | $ | 2,514 |  | $ | 2,854 |  | $ | 2,527 |  | $ | 6,152 |  | $ | 1,571 |  | $ | 2,975 |  | $ | 2,306 |  | $ | 1,005 |  | $ | 21,904
Individually evaluated for impairment |  |  | 1,732 |  |  | 34 |  |  | 437 |  |  | 91 |  |  | — |  |  | 259 |  |  | 668 |  |  | 3,490 |  |  | 6,711
Acquired with deteriorated credit quality |  |  | 110 |  |  | 2 |  |  | 293 |  |  | 524 |  |  | 10 |  |  | 132 |  |  | 36 |  |  | 1 |  |  | 1,108
Total |  | $ | 4,356 |  | $ | 2,890 |  | $ | 3,257 |  | $ | 6,767 |  | $ | 1,581 |  | $ | 3,366 |  | $ | 3,010 |  | $ | 4,496 |  | $ | 29,723
|  |  |  |  |  |  |  | Commercial |  | Commercial |  |  |  |  |  |  |  |  |  |  | Municipal, |  |  |
|  | Commercial |  | Agricultural |  | Real Estate |  | Real Estate |  |  |  |  | Construction |  | One-to-four |  | Consumer, |  |  |
|  | and |  | and |  | Owner |  | Non-owner |  |  |  |  | and Land |  | Family |  | and |  |  |
December 31, 2019 |  | Industrial |  | Farmland |  | Occupied |  | Occupied |  | Multi-Family |  | Development |  | Residential |  | Other |  | Total
Loan balances: |  | (dollars in thousands)
Collectively evaluated for impairment |  | $ | 294,006 |  | $ | 192,722 |  | $ | 211,744 |  | $ | 561,277 |  | $ | 176,273 |  | $ | 217,708 |  | $ | 291,624 |  | $ | 106,448 |  | $ | 2,051,802
Individually evaluated for impairment |  |  | 10,733 |  |  | 13,966 |  |  | 10,927 |  |  | 3,398 |  |  | 1,324 |  |  | 3,782 |  |  | 11,349 |  |  | 13,872 |  |  | 69,351
Acquired with deteriorated credit quality |  |  | 2,436 |  |  | 1,088 |  |  | 8,491 |  |  | 15,082 |  |  | 1,476 |  |  | 3,397 |  |  | 10,607 |  |  | 96 |  |  | 42,673
Total |  | $ | 307,175 |  | $ | 207,776 |  | $ | 231,162 |  | $ | 579,757 |  | $ | 179,073 |  | $ | 224,887 |  | $ | 313,580 |  | $ | 120,416 |  | $ | 2,163,826
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Collectively evaluated for impairment |  | $ | 1,926 |  | $ | 2,576 |  | $ | 1,486 |  | $ | 3,591 |  | $ | 1,019 |  | $ | 2,283 |  | $ | 1,684 |  | $ | 931 |  | $ | 15,496
Individually evaluated for impairment |  |  | 2,170 |  |  | 105 |  |  | 270 |  |  | 70 |  |  | — |  |  | 567 |  |  | 822 |  |  | 2,176 |  |  | 6,180
Acquired with deteriorated credit quality |  |  | 345 |  |  | 85 |  |  | 23 |  |  | 2 |  |  | 5 |  |  | 127 |  |  | 34 |  |  | 2 |  |  | 623
Total |  | $ | 4,441 |  | $ | 2,766 |  | $ | 1,779 |  | $ | 3,663 |  | $ | 1,024 |  | $ | 2,977 |  | $ | 2,540 |  | $ | 3,109 |  | $ | 22,299
Schedule of loans individually evaluated for impairment by category | The following tables present loans individually evaluated for impairment by category of loans as of June 30, 2020 and December 31, 2019:
|  | Unpaid |  |  |  |  |  |
|  | Principal |  | Recorded |  | Related
June 30, 2020 |  | Balance |  | Investment |  | Allowance
With an allowance recorded: |  | (dollars in thousands)
Commercial and industrial |  | $ | 3,052 |  | $ | 3,052 |  | $ | 1,732
Agricultural and farmland |  |  | 174 |  |  | 174 |  |  | 34
Commercial real estate - owner occupied |  |  | 1,303 |  |  | 1,303 |  |  | 437
Commercial real estate - non-owner occupied |  |  | 166 |  |  | 166 |  |  | 91
Multi-family |  |  | — |  |  | — |  |  | —
Construction and land development |  |  | 2,564 |  |  | 2,563 |  |  | 259
One-to-four family residential |  |  | 2,821 |  |  | 2,803 |  |  | 668
Municipal, consumer, and other |  |  | 8,881 |  |  | 8,854 |  |  | 3,490
Total |  | $ | 18,961 |  | $ | 18,915 |  | $ | 6,711
With no related allowance: |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 4,656 |  | $ | 4,652 |  | $ | —
Agricultural and farmland |  |  | 17,040 |  |  | 17,042 |  |  | —
Commercial real estate - owner occupied |  |  | 11,436 |  |  | 11,434 |  |  | —
Commercial real estate - non-owner occupied |  |  | 19,973 |  |  | 19,929 |  |  | —
Multi-family |  |  | — |  |  | — |  |  | —
Construction and land development |  |  | 100 |  |  | 98 |  |  | —
One-to-four family residential |  |  | 8,593 |  |  | 8,541 |  |  | —
Municipal, consumer, and other |  |  | 4,809 |  |  | 4,797 |  |  | —
Total |  | $ | 66,607 |  | $ | 66,493 |  | $ | —
Total |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 7,708 |  | $ | 7,704 |  | $ | 1,732
Agricultural and farmland |  |  | 17,214 |  |  | 17,216 |  |  | 34
Commercial real estate - owner occupied |  |  | 12,739 |  |  | 12,737 |  |  | 437
Commercial real estate - non-owner occupied |  |  | 20,139 |  |  | 20,095 |  |  | 91
Multi-family |  |  | — |  |  | — |  |  | —
Construction and land development |  |  | 2,664 |  |  | 2,661 |  |  | 259
One-to-four family residential |  |  | 11,414 |  |  | 11,344 |  |  | 668
Municipal, consumer, and other |  |  | 13,690 |  |  | 13,651 |  |  | 3,490
Total |  | $ | 85,568 |  | $ | 85,408 |  | $ | 6,711
|  | Unpaid |  |  |  |  |  |
|  | Principal |  | Recorded |  | Related
December 31, 2019 |  | Balance |  | Investment |  | Allowance
With an allowance recorded: |  | (dollars in thousands)
Commercial and industrial |  | $ | 4,292 |  | $ | 4,292 |  | $ | 2,170
Agricultural and farmland |  |  | 590 |  |  | 590 |  |  | 105
Commercial real estate - owner occupied |  |  | 830 |  |  | 830 |  |  | 270
Commercial real estate - non-owner occupied |  |  | 99 |  |  | 99 |  |  | 70
Multi-family |  |  | — |  |  | — |  |  | —
Construction and land development |  |  | 3,679 |  |  | 3,679 |  |  | 567
One-to-four family residential |  |  | 3,401 |  |  | 3,390 |  |  | 822
Municipal, consumer, and other |  |  | 9,138 |  |  | 9,111 |  |  | 2,176
Total |  | $ | 22,029 |  | $ | 21,991 |  | $ | 6,180
With no related allowance: |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 6,438 |  | $ | 6,441 |  | $ | —
Agricultural and farmland |  |  | 13,369 |  |  | 13,376 |  |  | —
Commercial real estate - owner occupied |  |  | 10,089 |  |  | 10,097 |  |  | —
Commercial real estate - non-owner occupied |  |  | 3,297 |  |  | 3,299 |  |  | —
Multi-family |  |  | 1,328 |  |  | 1,324 |  |  | —
Construction and land development |  |  | 104 |  |  | 103 |  |  | —
One-to-four family residential |  |  | 7,986 |  |  | 7,959 |  |  | —
Municipal, consumer, and other |  |  | 4,775 |  |  | 4,761 |  |  | —
Total |  | $ | 47,386 |  | $ | 47,360 |  | $ | —
Total |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 10,730 |  | $ | 10,733 |  | $ | 2,170
Agricultural and farmland |  |  | 13,959 |  |  | 13,966 |  |  | 105
Commercial real estate - owner occupied |  |  | 10,919 |  |  | 10,927 |  |  | 270
Commercial real estate - non-owner occupied |  |  | 3,396 |  |  | 3,398 |  |  | 70
Multi-family |  |  | 1,328 |  |  | 1,324 |  |  | —
Construction and land development |  |  | 3,783 |  |  | 3,782 |  |  | 567
One-to-four family residential |  |  | 11,387 |  |  | 11,349 |  |  | 822
Municipal, consumer, and other |  |  | 13,913 |  |  | 13,872 |  |  | 2,176
Total |  | $ | 69,415 |  | $ | 69,351 |  | $ | 6,180
The following table presents the average recorded investment and interest income recognized for loans individually evaluated for impairment by category of loans during the three and six months ended June 30, 2020 and 2019:
|  | Three Months Ended June 30,
|  | 2020 |  | 2019
|  | Average |  | Interest |  | Average |  | Interest
|  | Recorded |  | Income |  | Recorded |  | Income
|  | Investment |  | Recognized |  | Investment |  | Recognized
With an allowance recorded: |  | (dollars in thousands)
Commercial and industrial |  | $ | 3,126 |  | $ | 39 |  | $ | 5,864 |  | $ | 54
Agricultural and farmland |  |  | 177 |  |  | — |  |  | 997 |  |  | —
Commercial real estate - owner occupied |  |  | 1,312 |  |  | 27 |  |  | 3,415 |  |  | 10
Commercial real estate - non-owner occupied |  |  | 167 |  |  | 3 |  |  | 102 |  |  | —
Multi-family |  |  | — |  |  | — |  |  | 1,349 |  |  | —
Construction and land development |  |  | 2,573 |  |  | 25 |  |  | 2,882 |  |  | 45
One-to-four family residential |  |  | 2,868 |  |  | 31 |  |  | 3,818 |  |  | 27
Municipal, consumer, and other |  |  | 8,911 |  |  | 105 |  |  | 224 |  |  | 2
Total |  | $ | 19,134 |  | $ | 230 |  | $ | 18,651 |  | $ | 138
With no related allowance: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 5,095 |  | $ | 94 |  | $ | 10,490 |  | $ | 103
Agricultural and farmland |  |  | 16,853 |  |  | 195 |  |  | 20,280 |  |  | 228
Commercial real estate - owner occupied |  |  | 11,899 |  |  | 120 |  |  | 14,427 |  |  | 197
Commercial real estate - non-owner occupied |  |  | 20,067 |  |  | 65 |  |  | 3,938 |  |  | —
Multi-family |  |  | — |  |  | — |  |  | 2,400 |  |  | 81
Construction and land development |  |  | 101 |  |  | — |  |  | 107 |  |  | 1
One-to-four family residential |  |  | 8,666 |  |  | 141 |  |  | 10,406 |  |  | 51
Municipal, consumer, and other |  |  | 4,835 |  |  | 1 |  |  | 17,369 |  |  | 109
Total |  | $ | 67,516 |  | $ | 616 |  | $ | 79,417 |  | $ | 770
Total |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 8,221 |  | $ | 133 |  | $ | 16,354 |  | $ | 157
Agricultural and farmland |  |  | 17,030 |  |  | 195 |  |  | 21,277 |  |  | 228
Commercial real estate - owner occupied |  |  | 13,211 |  |  | 147 |  |  | 17,842 |  |  | 207
Commercial real estate - non-owner occupied |  |  | 20,234 |  |  | 68 |  |  | 4,040 |  |  | —
Multi-family |  |  | — |  |  | — |  |  | 3,749 |  |  | 81
Construction and land development |  |  | 2,674 |  |  | 25 |  |  | 2,989 |  |  | 46
One-to-four family residential |  |  | 11,534 |  |  | 172 |  |  | 14,224 |  |  | 78
Municipal, consumer, and other |  |  | 13,746 |  |  | 106 |  |  | 17,593 |  |  | 111
Total |  | $ | 86,650 |  | $ | 846 |  | $ | 98,068 |  | $ | 908
|  | Six Months Ended June 30,
|  | 2020 |  | 2019
|  | Average |  | Interest |  | Average |  | Interest
|  | Recorded |  | Income |  | Recorded |  | Income
|  | Investment |  | Recognized |  | Investment |  | Recognized
With an allowance recorded: |  | (dollars in thousands)
Commercial and industrial |  | $ | 3,306 |  | $ | 88 |  | $ | 5,940 |  | $ | 89
Agricultural and farmland |  |  | 374 |  |  | 4 |  |  | 877 |  |  | 7
Commercial real estate - owner occupied |  |  | 1,070 |  |  | 38 |  |  | 3,434 |  |  | 79
Commercial real estate - non-owner occupied |  |  | 133 |  |  | 5 |  |  | 102 |  |  | —
Multi-family |  |  | — |  |  | — |  |  | 1,354 |  |  | —
Construction and land development |  |  | 2,819 |  |  | 66 |  |  | 2,887 |  |  | 89
One-to-four family residential |  |  | 3,065 |  |  | 60 |  |  | 3,832 |  |  | 49
Municipal, consumer, and other |  |  | 10,699 |  |  | 188 |  |  | 236 |  |  | 4
Total |  | $ | 21,466 |  | $ | 449 |  | $ | 18,662 |  | $ | 317
With no related allowance: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 5,518 |  | $ | 152 |  | $ | 10,461 |  | $ | 196
Agricultural and farmland |  |  | 14,687 |  |  | 356 |  |  | 20,417 |  |  | 342
Commercial real estate - owner occupied |  |  | 11,166 |  |  | 251 |  |  | 14,656 |  |  | 332
Commercial real estate - non-owner occupied |  |  | 11,704 |  |  | 106 |  |  | 3,958 |  |  | 54
Multi-family |  |  | — |  |  | — |  |  | 2,431 |  |  | 81
Construction and land development |  |  | 213 |  |  | 2 |  |  | 108 |  |  | 2
One-to-four family residential |  |  | 8,505 |  |  | 203 |  |  | 10,488 |  |  | 120
Municipal, consumer, and other |  |  | 3,102 |  |  | 57 |  |  | 17,417 |  |  | 110
Total |  | $ | 54,895 |  | $ | 1,127 |  | $ | 79,936 |  | $ | 1,237
Total |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 8,824 |  | $ | 240 |  | $ | 16,401 |  | $ | 285
Agricultural and farmland |  |  | 15,061 |  |  | 360 |  |  | 21,294 |  |  | 349
Commercial real estate - owner occupied |  |  | 12,236 |  |  | 289 |  |  | 18,090 |  |  | 411
Commercial real estate - non-owner occupied |  |  | 11,837 |  |  | 111 |  |  | 4,060 |  |  | 54
Multi-family |  |  | — |  |  | — |  |  | 3,785 |  |  | 81
Construction and land development |  |  | 3,032 |  |  | 68 |  |  | 2,995 |  |  | 91
One-to-four family residential |  |  | 11,570 |  |  | 263 |  |  | 14,320 |  |  | 169
Municipal, consumer, and other |  |  | 13,801 |  |  | 245 |  |  | 17,653 |  |  | 114
Total |  | $ | 76,361 |  | $ | 1,576 |  | $ | 98,598 |  | $ | 1,554
Schedule of recorded investment on past due basis |
|  | Accruing Interest |  |  |  |  |  |
|  |  |  |  | 30 - 89 Days |  | 90+ Days |  |  |  |  | Total
June 30, 2020 |  | Current |  | Past Due |  | Past Due |  | Nonaccrual |  | Loans
|  | (dollars in thousands)
Commercial and industrial |  | $ | 404,768 |  | $ | 109 |  | $ | — |  | $ | 3,353 |  | $ | 408,230
Agricultural and farmland |  |  | 233,928 |  |  | 242 |  |  | — |  |  | 4,931 |  |  | 239,101
Commercial real estate - owner occupied |  |  | 227,345 |  |  | 360 |  |  | — |  |  | 801 |  |  | 228,506
Commercial real estate - non-owner occupied |  |  | 535,127 |  |  | — |  |  | — |  |  | 212 |  |  | 535,339
Multi-family |  |  | 186,440 |  |  | — |  |  | — |  |  | — |  |  | 186,440
Construction and land development |  |  | 247,472 |  |  | — |  |  | — |  |  | 168 |  |  | 247,640
One-to-four family residential |  |  | 302,665 |  |  | 998 |  |  | 149 |  |  | 4,321 |  |  | 308,133
Municipal, consumer, and other |  |  | 122,092 |  |  | 148 |  |  | 7 |  |  | 159 |  |  | 122,406
Total |  | $ | 2,259,837 |  | $ | 1,857 |  | $ | 156 |  | $ | 13,945 |  | $ | 2,275,795
|  | Accruing Interest |  |  |  |  |  |
|  |  |  |  | 30 - 89 Days |  | 90+ Days |  |  |  |  | Total
December 31, 2019 |  | Current |  | Past Due |  | Past Due |  | Nonaccrual |  | Loans
|  | (dollars in thousands)
Commercial and industrial |  | $ | 301,975 |  | $ | 558 |  | $ | — |  | $ | 4,642 |  | $ | 307,175
Agricultural and farmland |  |  | 201,519 |  |  | — |  |  | — |  |  | 6,257 |  |  | 207,776
Commercial real estate - owner occupied |  |  | 228,218 |  |  | 941 |  |  | — |  |  | 2,003 |  |  | 231,162
Commercial real estate - non-owner occupied |  |  | 579,626 |  |  | 131 |  |  | — |  |  | — |  |  | 579,757
Multi-family |  |  | 177,696 |  |  | — |  |  | — |  |  | 1,377 |  |  | 179,073
Construction and land development |  |  | 224,716 |  |  | 140 |  |  | — |  |  | 31 |  |  | 224,887
One-to-four family residential |  |  | 307,712 |  |  | 1,329 |  |  | 75 |  |  | 4,464 |  |  | 313,580
Municipal, consumer, and other |  |  | 119,898 |  |  | 247 |  |  | 26 |  |  | 245 |  |  | 120,416
Total |  | $ | 2,141,360 |  | $ | 3,346 |  | $ | 101 |  | $ | 19,019 |  | $ | 2,163,826
Schedule of loans by category risk ratings |
June 30, 2020 |  | Pass |  | Pass-Watch |  | Substandard |  | Doubtful |  | Total
|  | (dollars in thousands)
Commercial and industrial |  | $ | 376,348 |  | $ | 22,442 |  | $ | 9,440 |  | $ | — |  | $ | 408,230
Agricultural and farmland |  |  | 206,481 |  |  | 14,638 |  |  | 17,982 |  |  | — |  |  | 239,101
Commercial real estate - owner occupied |  |  | 192,278 |  |  | 23,058 |  |  | 13,170 |  |  | — |  |  | 228,506
Commercial real estate - non-owner occupied |  |  | 455,660 |  |  | 56,607 |  |  | 23,072 |  |  | — |  |  | 535,339
Multi-family |  |  | 175,543 |  |  | 10,897 |  |  | — |  |  | — |  |  | 186,440
Construction and land development |  |  | 234,415 |  |  | 10,159 |  |  | 3,066 |  |  | — |  |  | 247,640
One-to-four family residential |  |  | 283,601 |  |  | 12,073 |  |  | 12,459 |  |  | — |  |  | 308,133
Municipal, consumer, and other |  |  | 108,508 |  |  | 256 |  |  | 13,642 |  |  | — |  |  | 122,406
Total |  | $ | 2,032,834 |  | $ | 150,130 |  | $ | 92,831 |  | $ | — |  | $ | 2,275,795
December 31, 2019 |  | Pass |  | Pass-Watch |  | Substandard |  | Doubtful |  | Total
|  | (dollars in thousands)
Commercial and industrial |  | $ | 267,645 |  | $ | 27,114 |  | $ | 12,416 |  | $ | — |  | $ | 307,175
Agricultural and farmland |  |  | 180,735 |  |  | 12,267 |  |  | 14,774 |  |  | — |  |  | 207,776
Commercial real estate - owner occupied |  |  | 198,710 |  |  | 21,745 |  |  | 10,707 |  |  | — |  |  | 231,162
Commercial real estate - non-owner occupied |  |  | 531,694 |  |  | 46,092 |  |  | 1,971 |  |  | — |  |  | 579,757
Multi-family |  |  | 175,807 |  |  | 1,771 |  |  | 1,495 |  |  | — |  |  | 179,073
Construction and land development |  |  | 217,120 |  |  | 3,582 |  |  | 4,185 |  |  | — |  |  | 224,887
One-to-four family residential |  |  | 287,036 |  |  | 13,546 |  |  | 12,998 |  |  | — |  |  | 313,580
Municipal, consumer, and other |  |  | 106,063 |  |  | 479 |  |  | 13,874 |  |  | — |  |  | 120,416
Total |  | $ | 1,964,810 |  | $ | 126,596 |  | $ | 72,420 |  | $ | — |  | $ | 2,163,826
Schedule of financial effect of troubled debt restructurings |
|  |  |  |  |  |  |  |  |  | Charge-offs
|  |  |  | Recorded Investment |  | and Specific
Three Months Ended June 30, 2019 |  | Number |  | Pre-Modification |  | Post-Modification |  | Reserves
|  | (dollars in thousands)
Commercial and industrial |  | 3 |  | $ | 516 |  | $ | 516 |  | $ | —
Agricultural and farmland |  | 1 |  |  | 107 |  |  | 107 |  |  | —
Commercial real estate - owner occupied |  | 1 |  |  | 170 |  |  | 170 |  |  | —
Total |  | 5 |  | $ | 793 |  | $ | 793 |  | $ | —
|  |  |  |  |  |  |  |  |  | Charge-offs
|  |  |  | Recorded Investment |  | and Specific
Six Months Ended June 30, 2019 |  | Number |  | Pre-Modification |  | Post-Modification |  | Reserves
|  | (dollars in thousands)
Commercial and industrial |  | 3 |  | $ | 516 |  | $ | 516 |  | $ | —
Agricultural and farmland |  | 2 |  |  | 392 |  |  | 392 |  |  | —
Commercial real estate - owner occupied |  | 1 |  |  | 170 |  |  | 170 |  |  | —
Total |  | 6 |  | $ | 1,078 |  | $ | 1,078 |  | $ | —
Schedule of changes in the accretable yield for loans acquired with deteriorated credit quality |
|  | Three Months Ended June 30, |  | Six Months Ended June 30,
|  | 2020 |  | 2019 |  | 2020 |  | 2019
|  | (dollars in thousands)
Beginning balance |  | $ | 1,510 |  | $ | 1,710 |  | $ | 1,662 |  | $ | 2,101
Reclassification from non-accretable difference |  |  | 38 |  |  | 271 |  |  | 46 |  |  | 407
Accretion income |  |  | (170) |  |  | (348) |  |  | (330) |  |  | (875)
Ending balance |  | $ | 1,378 |  | $ | 1,633 |  | $ | 1,378 |  | $ | 1,633

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